11 International Cities Where You Can Buy a House Near the Beach for $250,000 or Less

If you're dreaming of sun, sand, and sea and a charming little house nearby, don't shrug it off as "just a dream." Believe it or not, you don't need a millionaire's budget to make it happen. In fact, you could lower your financial stress by buying a home for $250,000 or less in coastal areas around the world.

That said, buying a house in another country can get complicated. Laws vary, exchange rates fluctuate, and contracts might not have your best interests in mind. Hire a real estate attorney and an experienced real estate agent, and make sure they are familiar with the local language and culture.

With that in mind, here are 11 international cities and towns where you just might find your dream beach house for $250,000 or less.

Editor's note: The U.S. Department of State may advise travelers to exercise increased caution in certain areas. Be sure to evaluate current Travel Advisories before exploring specific cities or locales.

Located on the island's northern coast, Puerto Plata is a favorite for affordable Caribbean living. Colorful colonial architecture and palm-fringed beaches define the city. Beach houses or small villas can be found between $200,000 and $250,000 USD, particularly outside the most tourist-heavy areas.

The Dominican Republic has excellent healthcare, with facilities in Puerto Plata itself and major hospitals a short drive away in Santiago.

Heraklion is the capital of Crete and a top choice for sun-drenched Mediterranean living. Many homes in Heraklion are listed under $250,000. Prices are lower in smaller Cretan towns, often less than $160,000.

Crete offers more than just stunning scenery and fabulous beaches. It's known for fresh local cuisine, a relaxed pace of life, and friendly communities. On top of that, good healthcare is available in larger towns, including Heraklion.

You'll find gorgeous beaches and modern amenities at prices lower than those of many U.S. coastal cities in this popular vacation destination. There's a strong expat community that helps newcomers get acclimated, and you can count on reliable healthcare, too. Attractions include Vallarta Botanical Gardens and the Cultural Center on Cuale River Island, among many others.

According to Realtor.com international, you can buy a home in Puerto Vallarta for as little as $145,000.

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Ecuador is the fourth smallest country in South America but boasts 1,390 miles of coastline along the Pacific Ocean, slightly longer than the distance from New York City to Miami. Unlike those cities, however, it's far more affordable.

Houses listed at $145,000 and up can be a steal, though they need various levels of repair. The lovely single homes on or near the beaches are asking around $250,000.

On the west coast of Scotland, Ayrshire faces the Firth of Clyde (a coastal inlet), where miles of beautiful sandy beaches meet land. Saltcoats, known for its long history in the salt panning industry, is a small town with a picturesque harbor. A variety of shops, cafés, and restaurants add to its charm.

Unlike pricier English seaside towns, Ayrshire still has homes under $250,000, often within walking distance of the beach.

Quepos, on Costa Rica's Pacific coast, is known as the gateway to Manuel Antonio National Park. The walkable town offers a mix of beach life, outdoor activities like kayaking, and foodie tours. Houses near the ocean often list between $160,000 and $225,000, making it one of Costa Rica's more affordable coastal hubs.

Costa Rica's healthcare system is highly regarded. Many expats appreciate the reliable medical care, natural beauty, and a thriving expat community.

Laborie is a picturesque village on the southern coast of St. Lucia that offers a quiet, laid-back lifestyle and a beautiful beach. But since the island is only about twice the length of Manhattan (though considerably wider), you're never far from popular attractions, like the therapeutic Sulphur Springs or the island's iconic volcanic peaks.

Currently, a fixer-upper is available for a little over $62,000. Small detached homes in and around Laborie sell for around $185,000 and up, although availability is limited.

If you're dreaming of France, La Tranche-sur-Mer might be just what you're looking for. This beach town on the Atlantic coast, just north of La Rochelle, offers affordable homes starting around $152,000.

With eight miles of sandy shoreline, 25 miles of cycling paths, and nearby marshes and forests to explore, it's perfect for a laid-back coastal lifestyle. While homes here tend to be on the smaller side, the location and quality of life more than make up for it.

Portimão is famous for its long stretch of beaches along the Atlantic Ocean, especially Praia da Rocha. Beachfront villas command high prices, while smaller homes start at around $117,000 if they need renovation. Modern, turn-key houses with terraces list at around $245,000.

Portugal is known for its excellent healthcare and low crime rate, and the entire Algarve region has a large international community.

Your budget will go far in Varna, Bulgaria's largest city on the Black Sea and a popular vacation destination. The cost of living is among the lowest in Europe, and houses near the beach often sell for $100,000-$200,000.

The city is a fascinating blend of historic architecture and modern shopping, complemented by the extensive Sea Garden and its promenade. Varna is considered a safe city, and with its healthcare system improving, it's an attractive destination for beach-loving expats.

Port Elizabeth (officially renamed Gqeberha) is known to many as "The Friendly City." Located on South Africa's Eastern Cape, its many long, sandy beaches, including King's Beach and Humewood Beach, are designated Blue Flag beaches, referring to their clean water and litter-free beaches.

Average house prices in Port Elizabeth, compared to national trends, are currently around $66,000, the lowest on this list.

Living in a coastal town overseas can be affordable, but it's not something to rush into. Every country has its own set of rules, and taking the time to hire the right professionals can make the difference between a dream home and a costly mistake.

Here's a tip: When you see a bargain that's almost too good to be true, it usually is. Those $1 houses you've heard about, for example, always need extensive repairs. And sometimes, that $1 might be a starting bid, or you might be required to live in the house or rent the property for a specific length of time.

Do your due diligence, and you'll protect your investment and make your dream a reality.